You are now leaving our website and entering a third-party website over which we have no control.
Travel Insurance from TD Insurance
Choose the plan that best suits your travel insurance needs. Coverage can help financially protect you from eligible unexpected events like travel medical emergencies, trip cancellations, trip interruptions, or baggage loss.
If you're travelling out of the country or to another province or territory, your provincial or territorial health plan may provide little to no coverage. You may want to consider a travel insurance plan.
How You Can Benefit from TD Insurance Travel Insurance
Explore Travel Insurance Plans from TD Insurance
Save 25% on TD Insurance Single-Trip Medical Plan and on Top-up or Extension for travel entirely within Canada.4
Designed for: travellers who have existing travel medical insurance and need additional days of coverage for a particular trip or want more coverage on their existing trip cancellation or trip interruption plan if their trip cost is higher than what their existing plan covers.
Compare travel insurance plans
See what each of our plans offer and choose the coverage that best suits your travel needs.
Multi-Trip All-Inclusive Plan |
Single-Trip Medical Plan |
Multi-Trip Medical Plan |
Trip Cancellation & Interruption Plan |
|
|---|---|---|---|---|
|
Annual Plan |
Single-Trip Plan |
Annual Plan |
Single-Trip Plan |
|
|
|
|
|||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Sample policy |
||||
|
Sample policy |
Sample insurance policy – Trip Cancellation & Interruption Plan |
|||
Multi-Trip All-Inclusive Plan
Single-Trip Medical Plan
Multi-Trip Medical Plan
Trip Cancellation & Interruption Plan
Multi-Trip All-Inclusive Plan
Single-Trip Medical Plan
Multi-Trip Medical Plan
Trip Cancellation & Interruption Plan
Multi-Trip All-Inclusive Plan |
Single-Trip Medical Plan |
Multi-Trip Medical Plan |
Trip Cancellation & Interruption Plan |
Multi-Trip All-Inclusive Plan |
Single-Trip Medical Plan |
Multi-Trip Medical Plan |
Trip Cancellation & Interruption Plan |
|---|---|---|---|---|---|---|---|
|
Annual Plan |
Single-Trip Plan |
Annual Plan |
Single-Trip Plan |
Annual Plan |
Single-Trip Plan |
Annual Plan |
Single-Trip Plan |
|
|
|
|
|
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Sample policy |
|||||||
Please refer to the Sample Policy for defined terms and a full description of features, benefits, limitations and exclusions.
How much can TD Insurance and Travel Insurance cost
The examples below outline both the standard rate and the preferred rate.10
Scenario: Two healthy 51-year-old adults and their dependent children, ages 17 and 15, taking a 16-day international vacation costing $4,000.
Travel insurance tips for your next trip
Here to help with your travel insurance needs
With helpful articles, videos, quick tips and step-by-step tutorials, find information about car, home, life, travel or other types of insurance.
Need help with your travel insurance?
Below are the Travel Insurance Summaries and Credit Card Insurance Summaries for TD and MBNA credit cards. These summaries provide an overview of the features and benefits of the insurance coverages included with TD and MBNA credit cards.
TD Personal Credit Cards:
- TD Cash Back Visa Infinite* Card
Travel Insurance Summary Credit Card Insurance Summary - TD Cash Back Visa* Card
Credit Card Insurance Summary - TD® Aeroplan® Visa Infinite* Card
Travel Insurance Summary Credit Card Insurance Summary - TD® Aeroplan® Visa Platinum* Card
Travel Insurance Summary Credit Card Insurance Summary - TD® Aeroplan® Visa Infinite* Privilege Card
Travel Insurance Summary Credit Card Insurance Summary - TD First Class Travel® Visa Infinite* Card
Travel Insurance Summary Credit Card Insurance Summary - TD Platinum Travel Visa* Card
Travel Insurance Summary Credit Card Insurance Summary - TD Rewards Visa* Card
Credit Card Insurance Summary - TD Emerald Flex Rate Visa* Card
Credit Card Insurance Summary - TD U.S. Dollar Visa* Card
Travel Insurance Summary Credit Card Insurance Summary - TD Low Rate Visa Card
Credit Card Insurance Summary
TD Business Credit Cards:
- TD Business Travel Visa* Card
Travel Insurance Summary Credit Card Insurance Summary - TD Business Cash Back Visa* Card
Credit Card Insurance Summary - TD Business Select RateTM Visa* Card
Credit Card Insurance Summary - TD® Aeroplan® Visa Business Credit Card
Travel Insurance Summary Credit Card Insurance Summary
MBNA Credit Cards:
- MBNA Gold Mastercard®
Travel Insurance Summary Credit Card Insurance Summary - MBNA Platinum Plus or True Line Mastercard®
Credit Card Insurance Summary - MBNA Rewards Platinum Plus® Mastercard®
Credit Card Insurance Summary - MBNA Rewards World Elite® Mastercard®
Travel Insurance Summary Credit Card Insurance Summary - MBNA World Elite® Mastercard®
Travel Insurance Summary Credit Card Insurance Summary - MBNA World Mastercard®
Travel Insurance Summary Credit Card Insurance Summary - MBNA Platinum Plus® Mastercard®
Travel Insurance Summary Credit Card Insurance Summary
TD offers banking, credit cards and competitive exchange rates for your travel needs. Explore our products to learn how TD can enhance your trip.
Frequently asked questions
Travel insurance helps financially protect you from eligible unexpected events that could affect your trip. You may need it to help reduce the financial impact of situations such as sudden illness, a delayed flight, or having to cancel or interrupt your trip. Provincial health plans offer limited medical coverage when you're outside of your home province. Travel insurance can help fill these gaps and help provide financial protection for medical emergencies, trip cancellations or interruptions as well as lost, stolen, or delayed baggage, depending on what plan you choose to purchase for your trip.
Each plan has specific benefits, exclusions, limitations and conditions, so reviewing your plan details can help you understand what's covered and choose the coverage that suits your trip.
Generally, to be eligible for travel insurance, you must purchase it before you depart on your trip. A good time to purchase travel insurance could be when you are booking your trip because you will have confirmed your travel information that you will need in your insurance application, such as your return and departure dates.
For Trip Cancelation and Trip Interruption insurance you should purchase this coverage as soon as you book your trip. This is suggested because the sooner you purchase the plan the sooner your coverage will begin. Trip cancellation & interruption insurance can help cover a portion of unused travel arrangements if your trip is cancelled or interrupted due to a covered event.
Travel medical insurance can be purchased any time before you leave for your trip.
A pre-existing medical condition refers to any disease, illness, or injury that existed before your application date or your policy took effect.
Having a pre-existing condition doesn’t disqualify you from getting travel insurance, but your pre-existing medical condition will have to be considered "stable" for a specified period of time before your effective date, to receive coverage.
Review your policy document to understand how long your medical condition will have to be "stable" for, how "stable" is defined and whether your medical condition meets all other pre-existing medical condition requirements.
Emergency travel medical plans help provide financial protection for unexpected medical emergencies that can happen while you're travelling. This can include coverage for hospital care, physician services and other medical expenses if you become sick or injured during your trip.
A Trip Cancellation and Interruption plan provides coverage for eligible travel expenses in case your trip is interrupted or cancelled. Trip cancellation provides coverage if your trip is cancelled for a covered reason before you depart for your trip. On the other hand, a trip interruption provides coverage after you depart on your trip.
Some factors that could impact your emergency travel medical coverage premium include:
Plan type: Your premium can vary based on the type of plan you choose and the level of coverage it includes.
Trip duration: This is the number of days you'll be away. Longer trips often come with higher premiums. This is because extended trips increase the duration of your coverage needs and potentially your exposure to risks.
Age of the oldest traveller: Premiums can increase based on the age of the travellers on the policy. Older travelers typically pay more for coverage, reflecting the increased likelihood of health concerns or issues.
Health history: Your premium may be affected by your health history. Typically, individuals with more health complications may face higher premiums due to increased risk. Some applicants may need to complete a health questionnaire as part of their application.
Number of travellers: Premiums tend to increase when more individuals are included under a plan. TD Insurance provides savings when applying under the family3 or couple2 coverage options.
Preferred rates: Preferred rates are offered to TD Home and Auto clients, employees and retirees of TD, as well as members of groups with an affinity partnership with TD Insurance.
If you're purchasing trip cancellation and trip interruption coverage
Cost of the trip: For trip cancellation and interruption coverage, premiums typically vary according to the cost of the trip.
Government provincial health plans offer limited coverage outside your home province and outside Canada.
A number of Canadians get travel insurance through their work or credit card. However, your existing travel medical insurance may not provide coverage for the entire length of your trip and provide lower coverage limits.
Reviewing your existing coverage can help you decide whether additional travel insurance is right for your trip.
TD Insurance Travel Insurance plans (TD Insurance Multi-Trip All-Inclusive Plan, TD Insurance Single-Trip Medical Plan, TD Insurance Multi-Trip Medical Plan and TD Insurance Trip Cancellation & Interruption Plan) are individual insurance plans administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd. TD Insurance Multi-Trip All-Inclusive Plan and TD Insurance Trip Cancellation & Interruption Plan are underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). TD Insurance Single-Trip Medical Plan and TD Insurance Multi-Trip Medical Plan are underwritten by TD Life Insurance Company.
Medical and claims assistance, claims payment and administrative services are provided by the administrator described in the insurance policies. Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the policy for full details.
1 Coverage may be subject to conditions, exclusions and limitations. Refer to your Policy of Insurance for full details of coverage.
2 Couple Coverage is available on the TD Insurance Single-Trip Medical Plan and Multi-Trip Medical Plan for you and your Travelling Companion if you name them in your application. A maximum of 2 travellers including yourself can be under a policy with Couple Coverage.
Travelling Companion means any person who travels with you during the Covered Trip and who is sharing transportation and/or accommodation with you.
Couple Coverage is not available when a medical questionnaire is required for any of the travellers.
If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy.
3 Family Coverage is available on the TD Insurance Single-Trip Medical Plan, Multi-Trip Medical Plan and the Multi-Trip All-Inclusive Plan for you, your Spouse and unmarried Dependent Child(ren) if you name them in your application.Spouse means the person to whom you are legally married; or the person with whom you have lived for at least 1 year and you publicly refer to as your domestic partner.
Dependent Child(ren) means your natural, adopted, or step-children who are:
a) unmarried; and
b) dependent on you for financial maintenance and support; and
i. under 22 years of age, or
ii. under 26 years of age and attending an institution of higher learning, full-time, in Canada; or
iii. mentally or physically handicapped.
Family Coverage is not available when a medical questionnaire is required for any of the travellers.
If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy.
Family Coverage is only available for up to 6 travellers including yourself. To purchase additional coverage for groups of more than 6 people, please call our administrator at 1-833-962-1143 .
4 The savings is only available to applicants who apply for a new TD Insurance Single-Trip Plan for a trip which must be entirely within Canada. No portion of your trip may take place outside Canada, including any US layovers or other stops. The savings is subject to a minimum premium. We reserve the right to cancel, discontinue or remove the savings at any time without notice.
5 The TD Insurance Multi-Trip All-Inclusive Plan will provide coverage for each covered trip taken within 1 year up to the maximum trip duration you selected when the policy was purchased. If the oldest person on the insurance policy is 15 days old to 59 years old, the maximum trip duration is 60 consecutive days. If you are 60 years and older, the available maximum trip durations are 22 or 30 consecutive days.
6 Coverage may be subject to conditions, exclusions and limitations. Answering a Medical Questionnaire is required for those 60 years of age or older to determine eligibility for the TD Insurance Single-Trip Medical Plan. Refer to your Policy of Insurance for full details of coverage.
7 The TD Insurance Multi-Trip Medical Plan will provide emergency travel medical coverage for each covered trip taken within 1 year up to the maximum trip duration you selected when the policy was purchased. If the oldest person on the insurance policy is 15 days old to 79 years old, the available maximum trip durations are 4, 9, 16 or 30 consecutive days. If you are 80 years and older, the available maximum trip durations are 4, 9 or 16 consecutive days.
Answering a Medical Questionnaire is required for those 60 years of age or older to determine eligibility for the TD Insurance Multi-Trip Medical Plan.
8 Coverage may be subject to conditions, exclusions and limitations. Refer to your Policy of Insurance for full details of coverage for the TD Insurance Trip Cancellation & Interruption Plan.
9 Top-up or extension coverage is provided by the TD Insurance Single-Trip Medical Plan and/or TD Insurance Trip Cancellation & Interruption Plan. You must confirm with your original insurance carrier that your coverage is eligible to be topped up with a TD Insurance Travel Insurance plan. Top-up or extension coverage from TD Insurance may offer different benefits with different terms and conditions than your existing coverage. Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the applicable Sample Insurance Policy for full details.
10 The sample premiums are calculated as of April 2026 and are subject to change without notice. Your actual premium will depend on your application
You may be eligible to receive preferred rates on TD Insurance Travel Insurance products if you are one or more of the following:
- a TD Insurance Home and/or Auto customer
- a TD employee or retiree
- a member of a qualified profession, or professional association or university or college that has a partnership with TD Insurance.
These offers may not be available in the future and if we determine that you are not eligible for the preferred rate in the future, we reserve the right to remove the preferred rate.